EMF Hypostat
EMF European Mortgages Federation Hypostat
The European Mortgage Federation (EMF) is pleased to announce the publication of the 2025 edition of Hypostat, the EMF-ECBC’s annual statistical publication encompassing data on recent developments in housing and mortgage markets in Europe and beyond.
The 2025 edition (covering data until end 2024) presents data and analyses for 31 European countries (the EU27 plus Iceland, Norway, Switzerland and the United Kingdom), as well as data from nine additional countries further afield (Australia, Canada, Brazil, Japan, Russia, Singapore, South Korea, Turkey and the United States of America).
Austria.pdf
Belgium.pdf
Bulgaria.pdf
Croatia.pdf
Cyprus.pdf
Czechia.pdf
Denmark.pdf
Estonia.pdf
Finland.pdf
France.pdf
Germany.pdf
Greece.pdf
Hungary.pdf
Ireland.pdf
Italy.pdf
Latvia.pdf
Lithuania.pdf
Luxembourg.pdf
Malta.pdf
Poland.pdf
Portugal.pdf
Romania.pdf
Slovakia.pdf
Slovenia.pdf
Spain.pdf
Sweden.pdf
The Netherlands.pdf
Iceland.pdf
Norway.pdf
Switzerland.pdf
United-Kingdom.pdf
The Hypostat Data Hub encompasses the EMF statistics for the 27 Member States of the European Union, plus an additional 12 jurisdictions beyond the EU’s borders. This data series covers all relevant indicators on housing and mortgage markets, and macroeconomic patterns to enable financial institutions, private stakeholders and researchers to identify and analyse key changes in these markets at both individual and condensed levels.
Housing lays the foundation for freedom, dignity and opportunity, paving a solid path towards lasting peace and shared prosperity. Housing policies for their part represent a major social lift, with the potential to support each and every citizen in realising their future expectations. Hypostat 2025 brings together the efforts of over 30 contributors, commenting on an annual data series of 30 indicators, covering the 27 Member States of the European Union plus an additional 12 jurisdictions beyond the EU’s borders. Besides the country chapters of the EU27 Member States, which make up the bulk of the publication, Hypostat includes specific articles on the UK, Iceland, Norway and Switzerland. These chapters offer the most comprehensive and accurate source of data available on the markets covered and outline developments observed over the past year.The publication of this year’s Hypostat comes at a critical geopolitical moment and at the dawn of a new political agenda for the European Institutions focused on ensuring access to affordable housing for all. At this important juncture, we have taken the opportunity of the 2025 edition to gather valuable insights from renowned housing market and housing finance experts from around the globe in four standalone articles focused on the housing affordability crisis.The housing and mortgage sectors in Europe are not just significant in terms of economic impact, but they also play a vital strategic role in the broader goals of market integration, transition towards a greener future, and financial inclusion. In Europe, housing is often seen as the largest component of wealth and residential investment is a large component of overall investment. While the housing and mortgage markets were stabilising in 2024, the EU is still facing long-term challenges related to affordability, housing supply, and market equity. House prices and mortgage interest rates are increasing across most countries, whereas housing supply remains limited and the industry is still facing high construction costs.